Columbia Benefits LLC

Item 5 – Fees and Compensation

Fees for Services and Billing Methods

Columbia Benefits has different types of fee arrangements depending on the type of service to be
provided. Fees may be negotiable at the discretion of the advisor. Clients always have the option
to purchase products recommended by Columbia Benefits, through other brokers or agents that
are not affiliated with CB.

COLUMBIA BENEFITS, LLC
Part 2A of Form ADV: Firm Brochure
December 31, 2025

Fees for Investment Advisory Services

Fees for investment advisory services will be charged as a percentage of the market
value of assets under management according to the following schedule:

               Assets Under Management                Annual Fee
               First $2 million                       1.00%
               Next $2 - $5 million                   0.80%
               Next $5 - $10 million                  0.60%
               Amounts over $10 million               0.50%

Fees are billed monthly in arrears and deducted on the fifth day of the month or as soon as
administratively possible following the month for which services are provided. Fees are prorated
for new clients, for the portion of the month during which the assets are under management.

Transaction and Account fees may be charged by clearing firms, custodians and institutional
service groups. These fees are separate from Columbia Benefits investment advisory service
fees.
Investment Advisory Services may be terminated at any time upon written notice to Columbia
Benefits or the client. If either party terminates the agreement, the investment advisory fees for
the last partial month of service will be calculated based upon the postmark on the termination
letter.

Fees for Consulting Services

Consulting services are billed on an hourly basis and billed monthly in arrears. Hourly fees
generally apply to services that are not subject to the asset-based fees for Investment Advisory
Services or part of our Financial Planning Services. Columbia Benefits will notify the client, via
written communication, prior to providing consulting services to ensure the client is aware of the
fee structure. Hourly rates are:

            Financial Advisor        $250 per hour
            Para-Planner             $125 per hour
            Administrative Assistant $30 per hour

Consulting Services may be terminated at any time upon written notice to Columbia Benefits or
from the client. If either party terminates the consulting services, all fees due at the time of
termination (based on the postmark date of the written notice) will be due and payable
immediately.

COLUMBIA BENEFITS, LLC
Part 2A of Form ADV: Firm Brochure
December 31, 2025

Fees for Insurance Sales

Licensed insurance agents or brokers may receive commissions upon the sale of insurance
products. Insurance commissions are paid directly to Columbia Benefits and are not any part of
an “advisory fee. If a no load and/or a no commission product is used, the Investment Advisory
Service fees apply. The sale of insurance products creates a conflict of interest and could give
your supervised persons an incentive to recommend the products on the compensation received.
Insurance commissions are not an advisory product and no fees for these products are part of any
advisory fees. Clients of Columbia Benefits, LLC are under no obligation to purchase insurance
products from Mr. Davis.

Fees for Financial Planning Services

Fees for financial planning services are quoted on an individual basis. Fees typically range from
$1,000 to $5,000. Fees for this service are billed after the first draft of the plan has been
delivered. Fees charged by Columbia Benefits for financial planning do not include any charge
for insurance advice. A client may choose any insurance agent/broker or investment advisor he
or she chooses to implement the recommendations made in a financial plan. If a client chooses
to utilize the services of a licensed Columbia Benefits insurance agent/broker to purchase
insurance products, commissions will be received by the licensed insurance agent/broker. These
charges are entirely separate from the fees charged for the financial plan itself.

Fees for Retirement Plan Consulting Services

The retirement plan consulting and third-party administration services are separate from any
Investment Advisory Fees and are unrelated to any investment advisory services.

COLUMBIA BENEFITS, LLC
Part 2A of Form ADV: Firm Brochure
December 31, 2025

Other Fees and Expenses

Mutual Fund, Closed End Fund, SMA(separately managed accounts and ETF Fees

All fees paid to Columbia Benefits for investment advisory services are separate and distinct
from the fees and expenses charged by mutual funds, closed end funds, SMAs and ETFs to their
shareholders. These fees and expenses are described in each fund’s prospectus or agreement.
These fees will generally include a management fee, other fund expenses, and a possible
distribution fee. If the fund also imposes sales charges, a client may pay an initial or deferred
sales charge. A client could invest in a mutual fund directly, without our services. In that case,
the client would not receive the services provided by our firm which are designed, among other
things, to assist the client in determining which mutual fund or funds are most appropriate to
each client’s financial condition and objectives. Accordingly, the client should review both the
fees charged by the funds and our fees to fully understand the total amount of fees to be paid by
the client and to thereby evaluate the advisory services being provided.

Additional Fees and Expenses

In addition to our advisory fees, clients are also responsible for the fees and expenses charged by
custodians and imposed by broker dealers, including, but not limited to, any transaction charges
imposed by a broker dealer with which an independent investment manager effects transactions
...

Item 7 – Types of Clients

Columbia Benefits provides advisory services to the following types of clients:

-      Individuals and Trusts

-      Qualified and Non-Qualified Plans

-      Small Businesses and Practices

-      Charitable Organizations and Endowments

The minimum account size to utilize the investment advisory services of Columbia Benefits is
$250,000. The minimum account size may be waived by Columbia Benefits in certain
circumstances.